How do insurance companies evaluate spinal injury claims?

In Oregon, insurance companies evaluate spinal injury claims by first determining the amount of medical expenses incurred as a result of the injury. This includes the cost of hospitalization, medications, physical therapy, and other medical treatments. Additionally, insurance companies will review any lost wages due to the injury, including wages not earned while the victim was hospitalized or unable to work as a result of the injury. Insurance companies also consider non-economic damages such as pain and suffering, emotional distress, and loss of enjoyment of life. In Oregon, these non-economic damages cannot exceed $500,000. Insurance companies will look at these factors together to determine the amount of compensation a victim is entitled to. Insurance companies will also look at the degree of negligence on behalf of the liable party. If the liable party was grossly negligent, the insurance company may be willing to cover a larger portion of the damages. In some cases, the insurance company may deny the claim, as is the right of the insurer. It is important to have an experienced attorney review all relevant documentation to ensure that the victim receives the maximum possible compensation.

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How do insurance companies evaluate spinal injury claims?

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